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403(b) UPDATE: The IRS recently announced that they had come up with a prototype of a 403(b) plan that will make it easier for plan administrators to comply with the IRS regulations governing these retirement plans. The prototype is intended to assure employers who adopt it that they will be in compliance with the  

In light of the recent headlines in Virginia and Alabama about their section 529 prepaid education plans not being able to give investors a guaranteed return to cover tuition costs, many questions about their viability as an ongoing program are going unanswered. Sadly, it does not appear that any assurances are forthcoming from even from the highest levels of state government. This is due to the fact that the states